Tiffin Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Tiffin averaged
6.73%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
7.13% and
one month ago for the week of 2025-05-29, the
average rate was 6.95%.
Tiffin's average rate one year ago was 7.02%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.87%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Tiffin 30 Year Fixed Rate | 2025-07-03 | 6.73% |
| Tiffin 30 Year Fixed Rate Refi | 2025-07-03 | 6.87% |
| Tiffin 15 Year Fixed Rate | 2025-07-03 | 5.8% |
| Tiffin 15 Year Fixed Rate Refi | 2025-07-03 | 6.2% |
| Tiffin 30 Year FHA | 2025-07-03 | 0.07% |
| Tiffin 30 Year FHA Refi | 2025-07-03 | 0% |
| Tiffin 30 Year USDA | 2025-07-03 | -0.2% |
| Tiffin 30 Year USDA Refi | 2025-07-03 | 0.2% |
| Tiffin 30 Year VA | 2025-07-03 | 0.2% |
| Tiffin 30 Year VA Refi | 2025-07-03 | 0.2% |
Tiffin Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Tiffin, OH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Tiffin Average Closing Costs & Other Stats
Tiffin, OH's 47 lenders originated 810
loans during 2024. The total origination value was $117,640,000, with an average loan value of
$145,235.
Tiffin's average closing costs are $4,432.
The top Tiffin lender as defined by loan originations is LOANDEPOT.COM, LLC, with
80 loans originated. Their average total fees are
$4,569, which is $480
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Tiffin lenders (with over 10 loans originated) are
U.S. Bank ($3,054), Fifth Third Bank ($3,695), The Huntington National Bank ($4,227), LOANDEPOT.COM, LLC ($4,569) and QUICKEN LOANS, LLC ($5,050).
The lowest rate Tiffin lenders (with over 10 loans originated) are
The Huntington National Bank (6.71%), LOANDEPOT.COM, LLC (6.74%), U.S. Bank (6.75%), Fifth Third Bank (6.86%) and QUICKEN LOANS, LLC (6.88%).
Tiffin, OH Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| LOANDEPOT.COM, LLC | $18,960,000 | $25,115,000 | 32.5% | 21.3% |
| The Old Fort Banking Company | $8,640,000 | $8,735,000 | 1.1% | 7.4% |
| Fifth Third Bank | $5,370,000 | $7,905,000 | 47.2% | 6.7% |
| QUICKEN LOANS, LLC | $5,165,000 | $7,670,000 | 48.5% | 6.5% |
| Superior Credit Union, Inc. | $3,475,000 | $6,720,000 | 93.4% | 5.7% |
| The Huntington National Bank | $4,310,000 | $5,715,000 | 32.6% | 4.9% |
| AG Credit, Agricultural Credit Association | $4,930,000 | $5,270,000 | 6.9% | 4.5% |
| First Federal Bank of the Midwest | $4,250,000 | $4,360,000 | 2.6% | 3.7% |
| Mortgage Research Center, LLC | $1,575,000 | $3,755,000 | 138.4% | 3.2% |
| UNION HOME MORTGAGE CORP. | $1,685,000 | $3,570,000 | 111.9% | 3.0% |
| U.S. Bank | $3,980,000 | $2,845,000 | -28.5% | 2.4% |
| The Croghan Colonial Bank | $1,930,000 | $2,685,000 | 39.1% | 2.3% |
| UNITED WHOLESALE MORTGAGE, LLC | $905,000 | $2,445,000 | 170.2% | 2.1% |
| The First National Bank of Pandora | $260,000 | $1,595,000 | 513.5% | 1.4% |
| Fremont Federal Credit Union | $1,315,000 | $1,585,000 | 20.5% | 1.3% |
| POLARIS HOME FUNDING CORP. | $1,835,000 | $1,400,000 | -23.7% | 1.2% |
| PENNYMAC LOAN SERVICES, LLC | $760,000 | $1,215,000 | 59.9% | 1.0% |
| GUARANTEED RATE, INC. | $1,605,000 | $1,180,000 | -26.5% | 1.0% |
| First Federal Bank of Ohio | $1,115,000 | $1,120,000 | 0.4% | 1.0% |
| BROKER SOLUTIONS, INC. | $435,000 | $1,080,000 | 148.3% | 0.9% |
| NAVY FEDERAL CREDIT UNION | $360,000 | $1,065,000 | 195.8% | 0.9% |
| Sutton Bank | $1,410,000 | $965,000 | -31.6% | 0.8% |
| PNC Bank | $1,405,000 | $770,000 | -45.2% | 0.7% |
| USAA Federal Savings Bank | $745,000 | n/a | 0.6% | |
| VILLAGE CAPITAL MORTGAGE | $635,000 | n/a | 0.5% | |
| CROSSCOUNTRY MORTGAGE, LLC | $1,450,000 | $590,000 | -59.3% | 0.5% |
| Figure Lending LLC | $145,000 | $590,000 | 306.9% | 0.5% |
| LENDINGONE, LLC | $545,000 | n/a | 0.5% | |
| NEWREZ LLC | $855,000 | $530,000 | -38.0% | 0.5% |
| PROVIDENT FUNDING ASSOCIATES, L.P. | $465,000 | n/a | 0.4% | |
| JPMorgan Chase Bank | $785,000 | $455,000 | -42.0% | 0.4% |
| The Bank of Old Monroe | $450,000 | n/a | 0.4% | |
| NEW DAY FINANCIAL, LLC | $35,000 | $420,000 | 1,100.0% | 0.4% |
| Flagstar Bank, FSB | $275,000 | $380,000 | 38.2% | 0.3% |
| First National Bank of Pennsylvania | $375,000 | n/a | 0.3% | |
| Mr. Cooper ( Nationstar Mortgage ) | $325,000 | $340,000 | 4.6% | 0.3% |
| Citizens Bank | $105,000 | $305,000 | 190.5% | 0.3% |
| FREEDOM MORTGAGE CORPORATION | $270,000 | $280,000 | 3.7% | 0.2% |
| The Genoa Banking Company | $280,000 | n/a | 0.2% | |
| PLANET HOME LENDING, LLC | $265,000 | n/a | 0.2% | |
| MUTUAL OF OMAHA MORTGAGE, INC. | $330,000 | $260,000 | -21.2% | 0.2% |
| The Union Bank Company | $645,000 | $260,000 | -59.7% | 0.2% |
| Signature Bank, N.A. | $255,000 | n/a | 0.2% | |
| Discover Bank | $35,000 | $250,000 | 614.3% | 0.2% |
| Wells Fargo Bank | $245,000 | n/a | 0.2% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $440,000 | $235,000 | -46.6% | 0.2% |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $235,000 | n/a | 0.2% | |
| KeyBank | $330,000 | $230,000 | -30.3% | 0.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $225,000 | n/a | 0.2% | |
| DIAMOND RESIDENTIAL MORTGAGE CORPORATION | $225,000 | n/a | 0.2% | |
| Carrington Mortgage Services, LLC | $190,000 | $220,000 | 15.8% | 0.2% |
| PENTAGON FEDERAL CREDIT UNION | $220,000 | n/a | 0.2% | |
| T2 FINANCIAL LLC | $215,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $205,000 | n/a | 0.2% | |
| HOMESIDE FINANCIAL, LLC | $210,000 | $205,000 | -2.4% | 0.2% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $195,000 | $205,000 | 5.1% | 0.2% |
| PLAZA HOME MORTGAGE, INC. | $145,000 | $195,000 | 34.5% | 0.2% |
| First Federal Community Bank of Bucyrus | $150,000 | $190,000 | 26.7% | 0.2% |
| Bethpage Federal Credit Union | $185,000 | n/a | 0.2% | |
| AMERISAVE MORTGAGE CORPORATION | $675,000 | $180,000 | -73.3% | 0.2% |
| DOMINION FINANCIAL SERVICES, LLC | $180,000 | n/a | 0.2% | |
| Blue Ridge Bank | $175,000 | n/a | 0.1% | |
| Coastal Community Bank | $105,000 | $175,000 | 66.7% | 0.1% |
| MYCUMORTGAGE, LLC | $175,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $240,000 | $175,000 | -27.1% | 0.1% |
| The State Bank and Trust Company | $530,000 | $160,000 | -69.8% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $155,000 | n/a | 0.1% | |
| Civista Bank | $750,000 | $145,000 | -80.7% | 0.1% |
| CMG MORTGAGE, INC. | $145,000 | n/a | 0.1% | |
| EVANSVILLE TEACHERS | $145,000 | n/a | 0.1% | |
| MID AMERICA MORTGAGE, INC. | $435,000 | $145,000 | -66.7% | 0.1% |
| First National Bank of Bellevue | $335,000 | $140,000 | -58.2% | 0.1% |
| LENDINGHOME FUNDING CORPORATION | $280,000 | $135,000 | -51.8% | 0.1% |
| QUORUM FEDERAL CREDIT UNION | $135,000 | n/a | 0.1% | |
| ALLIED MORTGAGE GROUP, INC. | $125,000 | n/a | 0.1% | |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $125,000 | $125,000 | 0.0% | 0.1% |
| NexBank | $125,000 | n/a | 0.1% | |
| 21ST MORTGAGE CORPORATION | $115,000 | n/a | 0.1% | |
| FINANCE OF AMERICA REVERSE LLC | $115,000 | n/a | 0.1% | |
| HOWARD HANNA FINANCIAL SERVICES, INC. | $115,000 | n/a | 0.1% | |
| Mechanics Bank | $115,000 | n/a | 0.1% | |
| MOVEMENT MORTGAGE, LLC | $480,000 | $115,000 | -76.0% | 0.1% |
| YOUR HOME FINANCIAL LLC | $115,000 | n/a | 0.1% | |
| RELIANCE FIRST CAPITAL, LLC | $105,000 | n/a | 0.1% | |
| Third Federal Savings and Loan Association of Cleveland | $105,000 | $100,000 | -4.8% | 0.1% |
| ENDEAVOR CAPITAL, LLC. | $95,000 | n/a | 0.1% | |
| ROYAL UNITED MORTGAGE LLC | $65,000 | $95,000 | 46.2% | 0.1% |
| The Federal Savings Bank | $550,000 | $90,000 | -83.6% | 0.1% |
| LOANPAL, LLC | $85,000 | n/a | 0.1% | |
| SUN Federal Credit Union | $85,000 | n/a | 0.1% | |
| UNION CAPITAL MORTGAGE CORPORATION | $75,000 | n/a | 0.1% | |
| CME Federal Credit Union | $65,000 | n/a | 0.1% | |
| UIF CORPORATION | $65,000 | n/a | 0.1% | |
| Centra Credit Union | $45,000 | $55,000 | 22.2% | 0.0% |
| TJC Mortgage, Inc. | $55,000 | n/a | 0.0% | |
| TRIAD FINANCIAL SERVICES, INC. | $55,000 | n/a | 0.0% | |
| Home Loan Investment Bank, F.S.B. | $25,000 | n/a | 0.0% |
Tiffin's top lender by overall market share is LOANDEPOT.COM, LLC, with 21.3% market share. In second place, with 7.4%, is The Old Fort Banking Company, having originated $8,735,000 in loans. In third place, with 6.7%, is Fifth Third Bank, having originated $7,905,000 in loans. In fourth place, with 6.5%, is QUICKEN LOANS, LLC, having originated $7,670,000 in loans. In fifth place, with 5.7%, is Superior Credit Union, Inc., having originated $6,720,000 in loans.
Tiffin, OH Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 457 | $80,635,000 | $176,444 |
| Cash Out Refi | 122 | $15,620,000 | $128,033 |
| Refi | 90 | $12,410,000 | $137,889 |
| Home Improvement | 83 | $5,395,000 | $65,000 |
| Other | 58 | $3,580,000 | $61,724 |
Tiffin's most frequently cited loan purpose was Home Purchase, with 457 originations. The 2nd most popular reason was Cash Out Refi, with 122 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 315 | $48,535,000 | $154,079 |
| 7-8% | 166 | $27,110,000 | $163,313 |
| Over 8% | 160 | $11,200,000 | $70,000 |
| 5-6% | 77 | $13,675,000 | $177,597 |
| <2.5% | 3 | $15,000 | $5,000 |
| 4-5% | 3 | $635,000 | $211,667 |
During 2024, Tiffin's most frequently originated rate bucket was 6-7%, with 315 originations.
Loan Sizing (Tiffin, OH MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 328 | $19,560,000 | $59,634 |
| $100k-200k | 327 | $46,135,000 | $141,086 |
| $200k-400k | 127 | $32,475,000 | $255,709 |
| $400k-600k | 22 | $9,840,000 | $447,273 |
| $Over $1MM | 4 | $7,960,000 | $1,990,000 |
| $600k-1000k | 2 | $1,670,000 | $835,000 |
Tiffin's loan sizing saw the bucket of loans from $100,000 or less with 328 originations, totaling $19,560,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 336 | $57,370,000 | $170,744 |
| 60-80% | 138 | $19,860,000 | $143,913 |
| 20-40% | 93 | $5,705,000 | $61,344 |
| 40-60% | 76 | $11,710,000 | $154,079 |
| Under 20% | 62 | $2,380,000 | $38,387 |
| Over 100% | 11 | $2,185,000 | $198,636 |
Tiffin's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 336 originations, totaling $57,370,000 in origination value.